technology is always, we're looking in the technology, there is something called big beta. this is taking technology from cost controls to revenue enhancement. we coined our own pivot. per re, indsmeesh that, vietnam, oman and turkey. tracy: what worries you the most right now? >> europe. i'm very concerned that cyprus is not by itself a big deal but they keep changing the rules of the game and the financial system is very precarious right now in europe. the u.s. is fine. and i'm just wondering how long can europe, we're in the third, they're in the third recession in five years, how long can they not grow? all the debt forgiveness in the world without economic growth will be a long-term problem. ashley: as long as this goes on, doug, we talk about the goldilocks environment but it is exactly what it is. it is not too hot to prompt the fed to pull back on its qe. but it is not too cold to push the economy into a recession. so kind of of in this same environment. how long do you think this could last? >> i don't buy the goldilocks analogy because we are in a low to zero grow